Banner Bank Mortgage Lending & HMDA Data, 2022

In 2022, Banner Bank of Walla Walla, WA reported 9,266 mortgage applications totaling $3.9 billion, down 14% from 2021. The average application was for $420,276, and applicants reported an average income of $185,917. 56% of its applications resulted in an originated loan and 27% were denied. Its largest markets were Seattle-Bellevue-Everett, WA (1,325), Portland-Vancouver-Hillsboro, OR-WA (824) and Spokane-Spokane Valley, WA (665) (applications in parentheses).

Mortgage Company & Address Banner Bank
10 South 1st Street
Walla Walla, WA 99362
Tel #: available with data download
Federal Regulator * available with data download
Years 2025  2024  2023  2022  2021  2020  2019  2018  2017  2016  2015  2014  2013  2012  2011  2010  2009  2008  2007  2006  2005  2004  2003  
Total Number of Mortgage Applications 9,266
Total Mortgage Loan Application Amount $3,894,280,000
Average Mortgage Loan Application Amount $420,276
Highest Mortgage Loan Application Amount $37,725,000
Average Applicant Income $185,917
Highest Applicant Income $8,667,000

About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Banner Bank filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.

Mortgage Loan Application Totals for Banner Bank by County in 2022

County Total Number of Mortgage Loan Applications Total Dollar Amount of Mortgage Loans Applications Average Mortgage Loan Application Amount Average Applicant Income
King, Washington 962 $ 418,060,000 $ 434,573 $ 270,000
Spokane, Washington 579 $ 145,655,000 $ 251,563 $ 134,000
San Diego, California 499 $ 187,715,000 $ 376,182 $ 233,000
Pierce, Washington 425 $ 173,995,000 $ 409,400 $ 172,000
Snohomish, Washington 363 $ 122,435,000 $ 337,286 $ 200,000
Los Angeles, California 339 $ 311,565,000 $ 919,070 $ 253,000
Lane, Oregon 279 $ 66,525,000 $ 238,440 $ 114,000
Whatcom, Washington 277 $ 115,275,000 $ 416,155 $ 167,000
Skagit, Washington 249 $ 50,895,000 $ 204,397 $ 122,000
Yakima, Washington 238 $ 53,120,000 $ 223,193 $ 134,000
Riverside, California 229 $ 78,085,000 $ 340,982 $ 186,000
Clark, Washington 219 $ 73,965,000 $ 337,739 $ 210,000
Coos, Oregon 192 $ 38,460,000 $ 200,312 $ 105,000
Benton, Washington 192 $ 52,050,000 $ 271,093 $ 154,000
Multnomah, Oregon 186 $ 75,260,000 $ 404,623 $ 204,000
Jackson, Oregon 184 $ 68,950,000 $ 374,728 $ 133,000
Washington, Oregon 183 $ 62,055,000 $ 339,098 $ 184,000
Walla Walla, Washington 179 $ 37,745,000 $ 210,865 $ 140,000
San Bernardino, California 177 $ 39,915,000 $ 225,508 $ 189,000
Chelan, Washington 175 $ 83,325,000 $ 476,142 $ 232,000
Clackamas, Oregon 174 $ 95,650,000 $ 549,712 $ 262,000
Umatilla, Oregon 166 $ 29,100,000 $ 175,301 $ 111,000
Sacramento, California 155 $ 59,715,000 $ 385,258 $ 209,000
Grant, Washington 126 $ 32,700,000 $ 259,523 $ 148,000
Douglas, Washington 117 $ 47,915,000 $ 409,529 $ 172,000
Franklin, Washington 107 $ 26,475,000 $ 247,429 $ 113,000
Ada, Idaho 102 $ 39,300,000 $ 385,294 $ 182,000
Douglas, Oregon 88 $ 13,940,000 $ 158,409 $ 91,000
Stevens, Washington 86 $ 24,830,000 $ 288,720 $ 130,000
Tehama, California 82 $ 13,340,000 $ 162,682 $ 110,000
Kootenai, Idaho 80 $ 28,100,000 $ 351,250 $ 373,000
San Juan, Washington 72 $ 19,640,000 $ 272,777 $ 154,000
Orange, California 71 $ 47,345,000 $ 666,830 $ 243,000
Siskiyou, California 71 $ 10,925,000 $ 153,873 $ 112,000
Josephine, Oregon 63 $ 17,875,000 $ 283,730 $ 100,000
Island, Washington 60 $ 22,660,000 $ 377,666 $ 162,000
Baker, Oregon 58 $ 10,200,000 $ 175,862 $ 99,000
Union, Oregon 57 $ 12,005,000 $ 210,614 $ 137,000
Kittitas, Washington 53 $ 27,615,000 $ 521,037 $ 272,000
Deschutes, Oregon 50 $ 40,900,000 $ 818,000 $ 236,000
Marion, Oregon 47 $ 43,285,000 $ 920,957 $ 131,000
Butte, California 46 $ 34,770,000 $ 755,869 $ 189,000
Kitsap, Washington 45 $ 18,685,000 $ 415,222 $ 228,000
Cowlitz, Washington 41 $ 13,255,000 $ 323,292 $ 127,000
Whitman, Washington 40 $ 7,570,000 $ 189,250 $ 132,000
Canyon, Idaho 38 $ 17,490,000 $ 460,263 $ 158,000
Placer, California 37 $ 20,115,000 $ 543,648 $ 248,000
Thurston, Washington 36 $ 12,040,000 $ 334,444 $ 163,000
El Dorado, California 35 $ 19,595,000 $ 559,857 $ 222,000
Bonner, Idaho 35 $ 15,085,000 $ 431,000 $ 179,000
Shasta, California 33 $ 8,955,000 $ 271,363 $ 180,000
Nevada, California 32 $ 9,620,000 $ 300,625 $ 240,000
Mason, Washington 29 $ 13,495,000 $ 465,344 $ 173,000
Lincoln, Washington 28 $ 9,140,000 $ 326,428 $ 143,000
Latah, Idaho 27 $ 6,145,000 $ 227,592 $ 117,000
Yamhill, Oregon 26 $ 9,370,000 $ 360,384 $ 166,000
Nez Perce, Idaho 25 $ 4,215,000 $ 168,600 $ 94,000
Morrow, Oregon 25 $ 3,475,000 $ 139,000 $ 86,000
Tillamook, Oregon 24 $ 8,820,000 $ 367,500 $ 251,000
Asotin, Washington 23 $ 2,805,000 $ 121,956 $ 84,000
Yolo, California 22 $ 9,280,000 $ 421,818 $ 199,000
Alameda, California 21 $ 59,795,000 $ 2,847,380 $ 442,000
Okanogan, Washington 21 $ 8,585,000 $ 408,809 $ 161,000
Contra Costa, California 18 $ 20,580,000 $ 1,143,333 $ 349,000
Twin Falls, Idaho 18 $ 6,950,000 $ 386,111 $ 130,000
Columbia, Oregon 18 $ 4,530,000 $ 251,666 $ 131,000
Skamania, Washington 18 $ 7,040,000 $ 391,111 $ 136,000
Clearwater, Idaho 17 $ 4,665,000 $ 274,411 $ 96,000
Lincoln, Oregon 17 $ 6,405,000 $ 376,764 $ 231,000
Pend Oreille, Washington 17 $ 4,935,000 $ 290,294 $ 114,000
Benewah, Idaho 16 $ 3,200,000 $ 200,000 $ 115,000
Grays Harbor, Washington 16 $ 7,680,000 $ 480,000 $ 271,000
Linn, Oregon 14 $ 4,210,000 $ 300,714 $ 142,000
Salt Lake, Utah 14 $ 96,990,000 $ 6,927,857 $ 0
Columbia, Washington 13 $ 2,355,000 $ 181,153 $ 107,000
Lewis, Washington 13 $ 5,455,000 $ 419,615 $ 654,000
Ventura, California 12 $ 44,070,000 $ 3,672,500 $ 240,000
Adams, Washington 12 $ 2,630,000 $ 219,166 $ 141,000
Klickitat, Washington 12 $ 5,230,000 $ 435,833 $ 171,000
Klamath, Oregon 11 $ 2,345,000 $ 213,181 $ 118,000
Maricopa, Arizona 10 $ 30,390,000 $ 3,039,000 $ 0
Fresno, California 10 $ 12,110,000 $ 1,211,000 $ 198,000
San Joaquin, California 10 $ 13,850,000 $ 1,385,000 $ 168,000
Santa Clara, California 9 $ 37,225,000 $ 4,136,111 $ 2,901,000
El Paso, Colorado 9 $ 41,875,000 $ 4,652,777 $ 0
Crook, Oregon 9 $ 4,285,000 $ 476,111 $ 156,000
Clatsop, Oregon 8 $ 2,140,000 $ 267,500 $ 217,000
Curry, Oregon 8 $ 3,450,000 $ 431,250 $ 233,000
Solano, California 7 $ 3,055,000 $ 436,428 $ 218,000
San Francisco, California 6 $ 11,520,000 $ 1,920,000 $ 159,000
Sonoma, California 6 $ 50,110,000 $ 8,351,666 $ 197,000
Yuba, California 6 $ 1,480,000 $ 246,666 $ 319,000
Boise, Idaho 6 $ 2,290,000 $ 381,666 $ 89,000
Shoshone, Idaho 6 $ 1,670,000 $ 278,333 $ 157,000
Valley, Idaho 6 $ 3,700,000 $ 616,666 $ 443,000
Clallam, Washington 6 $ 1,780,000 $ 296,666 $ 224,000
Glenn, California 5 $ 505,000 $ 101,000 $ 136,000
Idaho, Idaho 5 $ 1,005,000 $ 201,000 $ 59,000
Jefferson, Oregon 5 $ 1,745,000 $ 349,000 $ 112,000
Wallowa, Oregon 5 $ 1,375,000 $ 275,000 $ 121,000
Weber, Utah 5 $ 25,475,000 $ 5,095,000 $ 0
Ferry, Washington 5 $ 885,000 $ 177,000 $ 107,000
Jefferson, Washington 5 $ 2,195,000 $ 439,000 $ 120,000
Madera, California 4 $ 1,450,000 $ 362,500 $ 66,000
Marin, California 4 $ 4,290,000 $ 1,072,500 $ 210,000
Monterey, California 4 $ 7,290,000 $ 1,822,500 $ 214,000
Jefferson, Colorado 4 $ 13,220,000 $ 3,305,000 $ 0
Clark, Nevada 4 $ 10,880,000 $ 2,720,000 $ 0
Davis, Utah 4 $ 16,290,000 $ 4,072,500 $ 0
Utah, Utah 4 $ 19,430,000 $ 4,857,500 $ 0
Pacific, Washington 4 $ 1,060,000 $ 265,000 $ 119,000
Kern, California 3 $ 375,000 $ 125,000 $ 226,000
Mariposa, California 3 $ 1,125,000 $ 375,000 $ 140,000
San Luis Obispo, California 3 $ 1,045,000 $ 348,333 $ 194,000
San Mateo, California 3 $ 2,805,000 $ 935,000 $ 200,000
Santa Cruz, California 3 $ 1,425,000 $ 475,000 $ 203,000
Arapahoe, Colorado 3 $ 7,365,000 $ 2,455,000 $ 0
Denver, Colorado 3 $ 7,675,000 $ 2,558,333 $ 0
Elmore, Idaho 3 $ 745,000 $ 248,333 $ 97,000
Fremont, Idaho 3 $ 295,000 $ 98,333 $ 84,000
Jerome, Idaho 3 $ 295,000 $ 98,333 $ 108,000
Owyhee, Idaho 3 $ 875,000 $ 291,666 $ 215,000
Payette, Idaho 3 $ 1,545,000 $ 515,000 $ 186,000
Benton, Oregon 3 $ 1,565,000 $ 521,666 $ 88,000
Polk, Oregon 3 $ 1,115,000 $ 371,666 $ 112,000
Wasco, Oregon 3 $ 525,000 $ 175,000 $ 105,000
Amador, California 2 $ 660,000 $ 330,000 $ 99,000
Imperial, California 2 $ 1,760,000 $ 880,000 $ 319,000
Lake, California 2 $ 1,050,000 $ 525,000 $ 112,000
Merced, California 2 $ 8,470,000 $ 4,235,000 $ 0
Plumas, California 2 $ 600,000 $ 300,000 $ 98,000
Santa Barbara, California 2 $ 2,070,000 $ 1,035,000 $ 187,000
Stanislaus, California 2 $ 2,780,000 $ 1,390,000 $ 264,000
Sutter, California 2 $ 700,000 $ 350,000 $ 216,000
Trinity, California 2 $ 390,000 $ 195,000 $ 153,000
Tulare, California 2 $ 15,740,000 $ 7,870,000 $ 161,000
Adams, Colorado 2 $ 15,750,000 $ 7,875,000 $ 0
Bonneville, Idaho 2 $ 1,400,000 $ 700,000 $ 192,000
Gem, Idaho 2 $ 480,000 $ 240,000 $ 112,000
Oneida, Idaho 2 $ 1,240,000 $ 620,000 $ 164,000
Washington, Idaho 2 $ 550,000 $ 275,000 $ 109,000
Grant, Oregon 2 $ 500,000 $ 250,000 $ 112,000
Hood River, Oregon 2 $ 190,000 $ 95,000 $ 110,000
Lake, Oregon 2 $ 340,000 $ 170,000 $ 49,000
Garfield, Washington 2 $ 200,000 $ 100,000 $ 71,000
Gila, Arizona 1 $ 3,105,000 $ 3,105,000 $ 0
Yuma, Arizona 1 $ 25,000 $ 25,000 $ 54,000
Colusa, California 1 $ 595,000 $ 595,000 $ 174,000
Del Norte, California 1 $ 235,000 $ 235,000 $ 282,000
Kings, California 1 $ 215,000 $ 215,000 $ 47,000
Modoc, California 1 $ 55,000 $ 55,000 $ 40,000
Mono, California 1 $ 515,000 $ 515,000 $ 95,000
Napa, California 1 $ 105,000 $ 105,000 $ 214,000
San Benito, California 1 $ 705,000 $ 705,000 $ 253,000
Weld, Colorado 1 $ 1,955,000 $ 1,955,000 $ 0
Palm Beach, Florida 1 $ 5,000 $ 5,000 $ 34,000
Blaine, Idaho 1 $ 805,000 $ 805,000 $ 1,259,000
Boundary, Idaho 1 $ 255,000 $ 255,000 $ 72,000
Jefferson, Idaho 1 $ 355,000 $ 355,000 $ 145,000
Teton, Idaho 1 $ 75,000 $ 75,000 $ 350,000
Douglas, Nevada 1 $ 115,000 $ 115,000 $ 167,000
Washoe, Nevada 1 $ 2,505,000 $ 2,505,000 $ 0
Gilliam, Oregon 1 $ 55,000 $ 55,000 $ 83,000
Harney, Oregon 1 $ 355,000 $ 355,000 $ 106,000
Malheur, Oregon 1 $ 155,000 $ 155,000 $ 80,000
Wahkiakum, Washington 1 $ 65,000 $ 65,000 $ 75,000

Mortgage Loan Application Detail Totals for Banner Bank in 2022

Loan Purpose

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Home Purchase 3,634 $2,355,470,000 $648,000 $37,725,000 $188,000 $6,776,000
Home Improvement 3,296 $441,130,000 $133,000 $3,605,000 $179,000 $2,802,000
Other Purpose 881 $130,555,000 $148,000 $5,795,000 $186,000 $8,667,000
Cash-out Refinancing 817 $311,375,000 $381,000 $5,005,000 $178,000 $7,269,000
Refinancing 637 $655,745,000 $1,029,000 $19,805,000 $220,000 $6,792,000
Not Applicable 1 $5,000 $5,000 $5,000 $100,000 $100,000

Applicant Race

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
White 5,835 $1,754,125,000 $300,000 $5,005,000 $181,000 $6,493,000
Not Provided 1,217 $521,475,000 $428,000 $15,005,000 $218,000 $6,792,000
Hispanic 991 $217,455,000 $219,000 $4,845,000 $140,000 $2,864,000
Not applicable 471 $1,163,245,000 $2,469,000 $37,725,000 $162,000 $1,563,000
Asian 470 $157,980,000 $336,000 $5,005,000 $247,000 $7,269,000
Black or African American 176 $44,000,000 $250,000 $1,405,000 $163,000 $1,140,000
American Indian or Alaskan Native 65 $22,235,000 $342,000 $5,795,000 $260,000 $8,667,000
Native Hawaiian or Other Pacific Islander 28 $5,640,000 $201,000 $945,000 $166,000 $524,000

Loan Type

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Conventional (any loan other than FHA, VA, FSA, or RHS loans) 9,024 $3,811,950,000 $422,000 $37,725,000 $188,000 $8,667,000
FHA-insured (Federal Housing Administration) 159 $51,285,000 $322,000 $685,000 $85,000 $277,000
VA-guaranteed (Veterans Administration) 64 $26,410,000 $412,000 $905,000 $111,000 $355,000
FSA/RHS (Farm Service Agency or Rural Housing Service) 19 $4,635,000 $243,000 $425,000 $65,000 $132,000

Outcome

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Loan Originated 5,172 $2,007,900,000 $388,000 $37,725,000 $194,000 $6,493,000
Application Denied By Financial Institution 2,465 $1,193,615,000 $484,000 $23,105,000 $159,000 $8,667,000
Application Withdrawn By Applicant 988 $452,950,000 $458,000 $3,005,000 $199,000 $7,269,000
Application Approved But Not Accepted 348 $118,320,000 $340,000 $7,755,000 $198,000 $5,379,000
Loan Purchased By The Institution 177 $78,965,000 $446,000 $1,995,000 $162,000 $1,563,000
File Closed For Incompleteness 116 $42,530,000 $366,000 $1,535,000 $165,000 $1,499,000
Preapproval Approved but not Accepted 0 $0 $0 $0 $0 $0
Preapproval Denied by Financial Institution 0 $0 $0 $0 $0 $0

Denial Reason

Total Number of Mortgage Applications Total Dollar Amount of Mortgage Loan Applications Average Mortgage Loan Amount Highest Mortgage Loan Amount Average Applicant Income Highest Applicant Income
Not applicable 6,801 $2,700,665,000 $397,000 $37,725,000 $194,000 $7,269,000
Debt-To-Income Ratio 1,042 $248,930,000 $238,000 $4,505,000 $115,000 $1,056,000
Collateral 712 $760,960,000 $1,068,000 $23,105,000 $201,000 $1,560,000
Credit History 475 $101,185,000 $213,000 $7,065,000 $155,000 $2,987,000
Other 124 $44,750,000 $360,000 $5,795,000 $327,000 $8,667,000
Unverifiable Information 84 $21,230,000 $252,000 $895,000 $234,000 $1,093,000
Insufficient Cash (Downpayment, Closing Cost) 20 $14,950,000 $747,000 $8,225,000 $97,000 $285,000
Employment History 8 $1,610,000 $201,000 $605,000 $231,000 $857,000
Credit Application Incomplete 0 $0 $0 $0 $0 $0
Mortgage Insurance Denied 0 $0 $0 $0 $0 $0

Our comprehensive HMDA mortgage statistics provide invaluable insights into Banner Bank's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.

This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics, and assess Banner Bank's mortgage approval patterns. Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
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